What income do you need to buy a house in Laguna Beach, CA?

It takes about $784,000/yr to afford the typical Laguna Beach, CA home ($3.06M, +6.0% past year) at today's rates. Starter homes run around $1.97M. See if you can afford a house in Laguna Beach (2026 data) — free, no signup.

Market snapshot (2026-07)

• Income needed to buy the typical home: about $784,000/yr (28% front-end ratio, 20% down, 6.76% 30-yr fixed, CA property tax and insurance)
• Typical home value: $3.06M (Zillow ZHVI, 2026-07)
• 1-year change: +6.0%
• Bottom 35% of homes: $1.97M
• Top 35% of homes start around: $5.38M
• Typical rent: $4,980/mo
• Median household income: $144K
• Price-to-income ratio: 21.2
• Estimated payment on the typical home: $15,875/mo principal & interest (20% down, 6.76% 30-yr fixed)

Nearby housing markets

• Aliso Viejo, CA — typical home $1.01M
• Laguna Niguel, CA — typical home $1.49M
• Laguna Hills, CA — typical home $1.24M
• Laguna Woods, CA — typical home $471K
• Dana Point, CA — typical home $1.75M
• San Juan Capistrano, CA — typical home $1.35M

The most affordable cities to buy a house in California

Home values are Zillow Group public data (ZHVI, updated monthly); income and population are US Census Bureau ACS 5-year estimates. Estimates only — not financial advice.

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